Credit union · NCUA insured
Nizari Credit Union Auto Loan Rates
Top CarrotNizari Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 16, 2026.
How Nizari Credit Union’s auto loan rates compare
Compared with banks and credit unions near Houston, TX, where Nizari Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Nizari Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto Loan
Lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
2nd-lowest rate
CommonCents CU
3.50%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Nizari Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Nizari Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
All borrowers must have an account/membership with NPFCU to apply for a loan. Maximum loan amount up to $250,000. New auto is considered a current year model or previous year model not exceeding 5,000 miles. Rates indicated are for credit scores 700 and above.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Starting as low as 3.99% for credit scores 700 and above. Up to $250,000 loan amount. |
| up to 48 months | 4.25% | Starting as low as 4.25% for credit scores 700 and above. Up to $250,000 loan amount. |
| up to 60 months | 4.50% | Starting as low as 4.50% for credit scores 700 and above. Up to $250,000 loan amount. |
| up to 72 months | 4.75% | Starting as low as 4.75% for credit scores 700 and above. Up to $250,000 loan amount. |
| up to 84 months | 5.75% | Starting as low as 5.75% for credit scores 700 and above. Up to $250,000 loan amount. |
| up to 96 months | 6.75% | Starting as low as 6.75% for credit scores 700 and above. Up to $250,000 loan amount. |
New Motorcycle Loan
All borrowers must have an account/membership with NPFCU to apply for a loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.99% | Starting as low as 5.99% for credit scores 700 and above. Up to 72 months. |
Sources (1)
- nizaricu.org/rates · captured Oct 8, 2026
Used Auto Loan (6-10 Years old / 2015+)
6-10 years old (2015+). Maximum loan amount up to $250,000. Maximum age of vehicle up to 10 years old and mileage 100,000. Rates indicated are for credit scores 700 and above.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | Vehicle 6-10 years old (2015+). Starting as low as 4.24% for credit scores 700 and above. |
| up to 48 months | 4.50% | Vehicle 6-10 years old (2015+). Starting as low as 4.50% for credit scores 700 and above. |
| up to 60 months | 4.75% | Vehicle 6-10 years old (2015+). Starting as low as 4.75% for credit scores 700 and above. |
| up to 72 months | 5.25% | Vehicle 6-10 years old (2015+). Starting as low as 5.25% for credit scores 700 and above. |
| up to 84 months | 5.99% | Vehicle 6-10 years old (2015+). Starting as low as 5.99% for credit scores 700 and above. |
Used Auto Loan (Up to 5 Years old / 2021+)
Up to 5 years old (2021+). Maximum loan amount up to $250,000. Maximum terms up to 84 months. Rates indicated are for credit scores 700 and above.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Vehicle up to 5 years old (2021+). Starting as low as 3.99% for credit scores 700 and above. |
| up to 48 months | 4.25% | Vehicle up to 5 years old (2021+). Starting as low as 4.25% for credit scores 700 and above. |
| up to 60 months | 4.50% | Vehicle up to 5 years old (2021+). Starting as low as 4.50% for credit scores 700 and above. |
| up to 72 months | 4.75% | Vehicle up to 5 years old (2021+). Starting as low as 4.75% for credit scores 700 and above. |
| up to 84 months | 5.75% | Vehicle up to 5 years old (2021+). Starting as low as 5.75% for credit scores 700 and above. |
Used Motorcycle Loan (6-10 years old)
6-10 years old. All borrowers must have an account/membership with NPFCU to apply for a loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.24% | 6-10 years old. Starting as low as 6.24% for credit scores 700 and above. Up to 48 months. |
Sources (1)
- nizaricu.org/rates · captured Oct 8, 2026
Used Motorcycle Loan (up to 5 years old)
Up to 5 years old. All borrowers must have an account/membership with NPFCU to apply for a loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.99% | Up to 5 years old. Starting as low as 5.99% for credit scores 700 and above. Up to 48 months. |
Sources (1)
- nizaricu.org/rates · captured Oct 8, 2026
Who can join Nizari Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current employees of the credit union are eligible to apply for membership.
- Any person who is a Shia Imami Ismaili Muslim attending any Jamatkhana located in the United States of America is eligible to apply for membership.
Family and household
- Non-Ismaili spouses and children of eligible members are eligible to apply for membership.
Membership information collected October 5, 2026.